Esaf Small Finance Bank Ltd Stock Price Today (NSE: ESAFSFB)
Fundamental Score
Esaf Small Finance Bank Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Esaf Small Finance Bank Ltd share price today is ₹28.13, up +0.00% on NSE/BSE as of 17 February 2026. Esaf Small Finance Bank Ltd (ESAFSFB) is a Small-cap company in the Other Bank sector with a market capitalisation of ₹1.37K (Cr). The 52-week high for ESAFSFB share price is ₹N/A and the 52-week low is ₹N/A. The company has a Return on Equity (ROE) of -23.49% and a debt-to-equity ratio of 14.30.
Esaf Small Finance Bank Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Esaf Small Finance Bank Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Esaf Small Finance Bank Share Price: A Financial Analysis
The financial services sector, particularly small finance banks (SFBs), is currently navigating a complex landscape of rising operating costs and increased competition. This makes a deep dive into individual stock performance crucial. This analysis explores the current position of Esaf Small Finance Bank share price, which sits at ₹29.19. Our focus will be on observable financial metrics and how they relate to the bank's competitive standing. This is part of a detailed 80-parameter fundamental audit verified by Sweta Mishra.
A key indicator, or lack thereof, is the Price-to-Earnings (PE) ratio. Esaf Small Finance Bank currently shows "None" for its PE. This suggests that the company might not be generating consistent profits or that the earnings are too volatile for meaningful PE calculation. Comparing Esaf Small Finance Bank Ltd with peers like
Utkarsh Small Finance Bank Limited reveals potential differences in management efficiency and capital allocation strategies, indirectly influencing investor confidence and valuation multiples. The difference in strategy can also lead to variations in asset quality and operational efficiency.Return on Capital Employed (ROCE) is a critical measure of how effectively a company uses its capital to generate profits. Esaf Small Finance Bank's ROCE of 4.28% warrants careful attention. While a positive ROCE indicates some level of profitability, it is lower than ideal. This moderate ROCE has several implications: first, it limits the company's ability to reinvest profits for future growth; second, it could potentially weaken the bank’s economic moat, making it more vulnerable to competition from established players and other SFBs like Jana Small Finance Bank Ltd and Fino Payments Bank Ltd with potentially stronger ROCE figures. A lower ROCE can translate to a slower pace of asset growth. Further analysis would be needed to determine the reasons behind this ROCE and if strategies are in place to improve this number.
In conclusion, the financial snapshot of Esaf Small Finance Bank, characterized by its current share price, absence of a PE ratio, and ROCE of 4.28%, reveals a complex situation. Investors should closely observe how the bank navigates the challenges of the SFB sector and what initiatives are taken to enhance profitability and capital efficiency. This is an observational analysis based on publicly available data and does not constitute investment advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Esaf Small Finance Bank Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of ESAFSFB across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (35.21%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (22.27% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Strong Cash Generation (₹3753.33 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (63.30%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Below-Average Return on Equity (-23.49%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (4.28%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Revenue Contraction (-17.63%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Elevated Debt Levels (D/E: 14.30)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (0.57x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Limited Institutional Interest (FII+DII: 5.16%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Esaf Small Finance Bank Ltd Financial Statements
Comprehensive financial data for Esaf Small Finance Bank Ltd including income statement, balance sheet and cash flow
About ESAFSFB (Esaf Small Finance Bank Ltd)
Esaf Small Finance Bank Ltd (ESAFSFB) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Other Bank sector with a current market capitalisation of ₹1.37K (Cr). Esaf Small Finance Bank Ltd has delivered a Return on Equity (ROE) of -23.49% and a ROCE of 4.28%. The debt-to-equity ratio stands at 14.30, reflecting the company's capital structure. Investors tracking ESAFSFB share price can monitor key metrics including P/E ratio, promoter holding of 63.30%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
ESAFSFB Share Price: Frequently Asked Questions
What is the current share price of Esaf Small Finance Bank Ltd (ESAFSFB)?
As of 17 Feb 2026, 10:10 am IST, Esaf Small Finance Bank Ltd share price is ₹28.13. The ESAFSFB stock has a market capitalisation of ₹1.37K (Cr) on NSE/BSE.
Is ESAFSFB share price Overvalued or Undervalued?
ESAFSFB share price is currently trading at a P/E ratio of 0.00x, compared to the industry average of 24.58x. Based on this relative valuation, the Esaf Small Finance Bank Ltd stock appears to be Fairly Valued against its sector peers.
What is the 52-week high and low of ESAFSFB share price?
The 52-week high of ESAFSFB share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Esaf Small Finance Bank Ltd share price?
Key factors influencing ESAFSFB share price include quarterly earnings growth (Sales Growth: -17.63%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Esaf Small Finance Bank Ltd a good stock for long-term investment?
Esaf Small Finance Bank Ltd shows a 5-year Profit Growth of N/A% and an ROE of -23.49%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 14.30 before investing in ESAFSFB shares.
How does Esaf Small Finance Bank Ltd compare with its industry peers?
Esaf Small Finance Bank Ltd competes with major peers in the Other Bank. Investors should compare ESAFSFB share price P/E of 0.00x and ROE of -23.49% against the industry averages to determine competitive standing.
What is the P/E ratio of ESAFSFB and what does it mean?
ESAFSFB share price has a P/E ratio of N/Ax compared to the industry average of 24.58x. Investors pay ₹N/A for every ₹1 of annual earnings.
How is ESAFSFB performing according to Bull Run's analysis?
ESAFSFB has a Bull Run fundamental score of 26.3/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does ESAFSFB belong to?
ESAFSFB operates in the Other Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Esaf Small Finance Bank Ltd share price.
What is Return on Equity (ROE) and why is it important for ESAFSFB?
ESAFSFB has an ROE of -23.49%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Esaf Small Finance Bank Ltd generates profits from shareholders capital.
How is ESAFSFB debt-to-equity ratio and what does it indicate?
ESAFSFB has a debt-to-equity ratio of 14.30, which indicates high leverage that increases financial risk.
What is ESAFSFB dividend yield and is it a good dividend stock?
ESAFSFB offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Esaf Small Finance Bank Ltd shares.
How has ESAFSFB share price grown over the past 5 years?
ESAFSFB has achieved 5-year growth rates of: Sales Growth 22.27%, Profit Growth N/A%, and EPS Growth N/A%.
What is the promoter holding in ESAFSFB and why does it matter?
Promoters hold 63.30% of ESAFSFB shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Esaf Small Finance Bank Ltd.
What is ESAFSFB market capitalisation category?
ESAFSFB has a market capitalisation of ₹1371 crores, placing it in the Small-cap category.
How volatile is ESAFSFB stock?
ESAFSFB has a beta of N/A. A beta > 1 suggests the Esaf Small Finance Bank Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is ESAFSFB operating profit margin trend?
ESAFSFB has a 5-year average Operating Profit Margin (OPM) of 35.21%, indicating the company's operational efficiency.
How is ESAFSFB quarterly performance?
Recent quarterly performance shows Esaf Small Finance Bank Ltd YoY Sales Growth of -17.63% and YoY Profit Growth of 12.31%.
What is the institutional holding pattern in ESAFSFB?
ESAFSFB has FII holding of 0.16% and DII holding of 5.00%. Significant institutional holding often suggests professional confidence in the Esaf Small Finance Bank Ltd stock.